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Living as modern moms in today's fast changing world require ever expanding horizon and perspective.

Today's Moms are faced with many challenges from managing household issues, financial decisions, parenting, to preparing proper nutrition for the whole family.

This blog is dedicated to every hard working, creative, problem solver, smart, and genius Mom in the world.

Living to make their families happier with a long term vision of building a beautiful legacy to the next generation
To become the Best Mom in the world doesn't always require you to spend lots of money.

All you need to do is simply investing more love and care to your loved ones.

In addition to that all you need to become the smart parent are proper guidance and resources to help you determine which decisions to take.

We at Genius Mom are glad to help you by providing high quality information to aid you in the journey of becoming the Best Mom for your family.

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Some Tips To Managing Credit Cards

Credit cards have solved our problem of carrying too much cash with us but along with its advantage it also have a disadvantage that people buy things without taking care of their expenses which can create problem for them.

These tips can help you in managing your credit cards:

Get organized:

Check the records of your credit cards so that you remain aware of your expenses and the outstanding debts. Don’t forget to cross check the records for errors.

Evaluate your credit card:

Check the interest rates of your credit cards because some companies offer a low interest rate for a period of time and you may not be aware of it and would be paying higher interest rates. Check the annual membership fee also because some companies have higher membership fees. Cancel your credit card if you are not using it frequently.

Pay on time:

Pay your bills on time to avoid getting charged because of not paying on time.

Manage your debts:

If you have high debts then start planning to clear it ahead of time. Try to pay more than what is required to reduce payment schedule. Don’t take your credit card always with you because you can then buy extra things that are not needed.

Don’t bite more than you can chew:

Don’t buy the things that you don’t need now because your debt will go on increasing which can create problems for you in future.

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